I am going into the Garden as well. This year I have been approved for the Amex PRG, BOFA Cash Rewards, Citi Forward, and Discover More. I am planning to stay in the garden until may (my birthday month...lol). And then I plan to apply for the Chase Freedom, BCE, and Delta Card. Then garden again for a while or until my income improves. But so far so good credit wise!
What is that in my sig line??? a BRONZE spade?? Why, yes, today is one month since my last app! 
I have dutifully turned my head every time I hear the siren song of the Chase Disney Visa. Still waiting on a 0%BT from NFCU, though...maybe I've been too naughty for Santa to bring me one.
Thanks to the Garden Club for helping me keep on track!
Starting Score: MyFico TU: 621 EQ: 610
Ladies/Gentlemen,
I have about 20+ inquiries on each report, due to my lack of knowledge before myfico and the ultimate itch of filling out an application hoping for an approval! But I have built up my mental strength and ready to endure 24 months of NO APPING!
My credit profile looks like this for now: BK7 Discharged June 2012,
Orchard(CAP1) : 113/300
Cap1 secured 150/200
First primier 0/300
auto loan: 5k soon to PIF intrest is way to high!
Cap 1 Authorized user: 0/500
All positive tradelines with all negative accounts in IIB status and one charge off from cap1 that will fall off 2016.
I know I need to pay down my balances asap and I am! Once my balances are all PIF i will start depositing 100 a month to my secured cap1 card so I can build upto a 3k balance so when I have 0 inquiries in 24 months I will look like I am in alot better shape than I am now. Any recommendations from the vets?
I will be canceling first primier when the 1st yr is up to avoid the annual fee and any additional fees and I suspect by then I will have built my cap1 secured to atleast 1000 dollars. I don't see why it should hurt me if I keep orchard open at a 0 balance and build my cap1 secured as well stay as a authorized user on my girlfriends cap1 which never carries a balance if it does it's PIF before statement cuts. I will be gardening my orchard and cap1 secured, I know it's not much but and I probably wont go too far with orchard but its okay because I know in 24 months when my cap1 is at its 3k limit I will be approved for some pretty good cards.. it will be 2 yrs post bankruptcy and 2 yrs of ontime payments on 3 cards.
thankfulheart wrote:What is that in my sig line??? a BRONZE spade?? Why, yes, today is one month since my last app!
Thanks to the Garden Club for helping me keep on track!
Congrats on your new shiney bronze spade!
FYI, gifts from Santa are real! Yesterday I came home and there was a box from amazon, I opened it and there was a couple of items (Kindle Fire acessories) that I didn't order. The receipt inside said (A gift from Holly Lane)
I called Amazon (because I knew no one that would send me a gift via Amazon) they said it was a mix up but it would be easier for me to just keep the items. So... for those of you who were wondering. Santa is real, and he lives on Holly Lane 
Starting Score: 08/29/2011 TU 671 EQ 674Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!
Take the myFICO Fitness Challenge
thankfulheart wrote:What is that in my sig line??? a BRONZE spade?? Why, yes, today is one month since my last app!
Thanks to the Garden Club for helping me keep on track!
Congrats -- keep up the good work!
Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 733, TU 724 (05/01/2013), EX Credit Sesame 725 (05/08/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Bronze Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 4.2k, Kay Jeweler's 5.1k
gijoe4500 wrote:Today is day 90 to be app free. I earned that silver spade today. Piece of cake. Next will be gold.
Yay!!! Nice going!!!
Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 733, TU 724 (05/01/2013), EX Credit Sesame 725 (05/08/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Bronze Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 4.2k, Kay Jeweler's 5.1k
jennylocha wrote:Epcot did you at least get the card after scratching that itch? And what card was it that had such a powerful hold?! LOL!
I did get it! It was the Chase Disney card. I got denied early in the year due to high util. So I paid down my debt and tried again. So happy. The family is made up of annual passholders so we do go there alot!
gijoe4500 wrote:Today is day 90 to be app free. I earned that silver spade today. Piece of cake. Next will be gold.
Congrats on the silver spade!
Starting Score: 08/29/2011 TU 671 EQ 674Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!
Take the myFICO Fitness Challenge
